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Creative financial solutions
YOUR FINANCIAL STATUS IS IN GOOD HANDS

Creative financial solutions

Get personal and business financing tailored to your cash flow, with responsive support from a locally regulated team.

Apply for a Personal Loan Apply for Business Finance
Bank of Zambia Supervised Personal And Business Loans Fast Application Review
Financial Assistance With True Purpose
YOUR FINANCIAL STATUS IS IN GOOD HANDS

Financial Assistance With True Purpose

Choose funding built around real household and business needs, from payroll lending to working capital support.

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Building sustainable wealth
YOUR FINANCIAL STATUS IS IN GOOD HANDS

Building sustainable wealth

Use structured borrowing to manage short-term needs, protect cash flow, and keep long-term plans on track.

See Loan Requirements Speak With Our Team
Understanding your business
YOUR FINANCIAL STATUS IS IN GOOD HANDS

Our business is to understand your business

Access invoice discounting, order financing, and working capital products designed for growing Zambian enterprises.

Start Business Application Compare Business Solutions
Embracing financial growth
YOUR FINANCIAL STATUS IS IN GOOD HANDS

We embrace your dreams of financial growth

Move from urgent borrowing to smarter planning with clear repayment expectations and quick access to support.

Estimate Your Repayment Contact Us
How It Works

A clear path from application to disbursement

Borrowers convert faster when the next step is obvious. This section removes friction and sets expectations before people start the application.

1

Choose your product

Select the personal or business facility that matches your cash flow need and repayment capacity.

2

Submit your details

Complete the application form and share the core documents needed for quick review.

3

Receive feedback

Our team reviews your application, confirms terms, and guides you through the next approval step.

Requirements

What to prepare before you apply

  • Valid NRC or passport for identity verification
  • Recent payslips, bank statements, or business cash flow records
  • Employer details or registered business information
  • Supporting documents for the facility you are applying for
View FAQs Speak to Altus
Loan Calculator

Use this estimate to compare products before you start your application.

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Estimates exclude fees and are subject to assessment and approval.

About Altus Financial Services

Altus Financial Services is a registered Financial Services Company providing short to medium term financing to Individuals, Small and Medium sized Enterprises (SME) in Zambia. Altus is registered and supervised by the Bank of Zambia. The Company commenced operations in 2016. The Altus team is young vibrant and innovative and have significant experience in the financial services industry. Altus Financial Services was founded based on the need to fill a gap in the way financial services are offered to individuals and Small and Medium Enterprises.

Our Business Solutions

Invoice Discounting
Invoice Discounting

Improve your cash flow by getting funds against your unpaid invoices.

Order Financing
Order Financing

Secure funds to fulfill large orders from credible buyers and build credibility.

Working Capital Loans
Working Capital Loans

Meet short-term operational needs and ensure business continuity.

Personal Loans

Tailored financial solutions to meet your needs

Instant Salary Advances
Instant Salary Advances

Access quick cash against your monthly salary with minimal paperwork.

Corporate Payroll
Corporate Payroll

Loan solutions for employees in partner companies, deducted directly from payroll.

Non Payroll Loans
Non Payroll Loans

Flexible loans for self-employed or informal sector clients with flexible repayment terms.

  • Phone:
    +211 253 566
  • Email:
    info@altus.co.zm
  • Address:
    Mpile Office Park, 74 Independence Ave, Lusaka
Business Hours

Monday - Friday

8:00 AM - 5:00 PM

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